Ukutshala Izimali Ezihlangene: Iyiphi Inkampani Okufanele Uye Kuyo?

Ingabe ungumtshalizimali omusha we-mutual fund?

Uma kunjalo, kuyaqondakala ukuthi ungase ungazi ukuthi iyiphi imali ongatshala kuyo.

Kunezinkampani eziningi ezahlukene laphaya futhi ngayinye inamagugu namasu ayo.

Lokhu okuthunyelwe kuzosiza ukunquma izimali ezingcono kakhulu zephothifoliyo yakho ngokuziqhathanisa nenye!

Kodwa okokuqala, ake sifunde ukuthi iyini i-mutual fund.

Iyini i-mutual fund?

I-mutual fund iyithuluzi lezezimali elivumela abatshalizimali ukuthi bahlanganise imali yabo ndawonye futhi batshale ezinhlotsheni ezihlukene zezibambiso.

Izimali ezihlanganyelwe ngokuvamile ziyahlukahluka, okusho ukuthi zitshala ezimpahleni ezihlukahlukene, okusiza ukunciphisa ubungozi obuhlobene nokutshala imali.

Kungani kufanele utshale imali kuma-mutual funds?

Kunezizathu eziningi zokuthi kungani kufanele utshale imali kuma-mutual funds.

Okokuqala, i-mutual funds inikeza abatshalizimali ithuba lokuhlanganisa imali yabo ndawonye futhi batshale ezimpahleni ezihlukahlukene.

Lokhu kusiza ukunciphisa ubungozi obuhambisana nokutshala imali.

Okwesibili, i-mutual funds ivamise ukuhlukahluka, okusho ukuthi itshala ezimpahleni ezihlukene.

Lokhu kusiza ukusabalalisa ubungozi futhi kunikeza abatshalizimali ithuba lokuchayeka ezimakethe eziningi.

Ekugcineni, i-mutual funds inikeza abatshalizimali ithuba lokutshala ezinkampanini ezisezingeni eliphezulu ngentengo ephansi.

Yiziphi izinhlobo ezahlukene ze-mutual funds?

Kunezinhlobo eziningi zezinhlobo ze-mutual funds ongatshala kuzo, okuhlanganisa -

• Izimali ze-Equity,
• Izimali zezikweletu,
• Futhi izimali ezilinganiselwe.

Izimali ze-Equity zitshala ezitokisini kuyilapho izimali zezikweletu zitshala kumabhondi.

Izimali ezibalanced zitshala kuzo zombili izimakethe ze-equity nezikweletu.

Uyithenga kanjani i-mutual funds?

Kunezindlela ezimbili zokuthenga amayunithi e-mutual fund, okuhlanganisa ngokuqondile nenkampani ekhiphayo noma ngokungaqondile nomthengisi.

Ukuze uthenge ngokuqondile emthonjeni, udinga ukuba ne-akhawunti kubo ukuze uthenge imikhiqizo yabo.

Kungenjalo, ungathenga kumdayisi, ongumxhumanisi phakathi kwakho nomthombo.

I-mutual funds iyenza kanjani imali?

Izimali ezihlanganyelwe ngokuvamile zenza inzuzo ngezindlela ezimbili: ngezinkokhelo noma ngokuzuza inzalo ekutshalweni kwazo.

Izinkokhelo zingabandakanya izinkokhelo zokusebenza zokukhiqiza izimbuyiselo eziqinile kanye nezinkokhelo zokunakekela i-akhawunti ukuze kukhokhelwe izindleko zokulawula ezihlobene nokuphatha i-akhawunti yakho.

I-mutual funds yakhiwe ngani?

Izimali ezihlanganyelwe zinenqwaba yezimpahla ezitshala kuzo, ezibizwa ngephothifoliyo yazo.

Uhlobo lwezibambiso olukhona ngaphakathi kwephothifoliyo luzoncika kunhloso yokutshala izimali kanye namasu esikhwama.

Isibonelo, i-equity mutual funds ijwayele ukutshala imali eningi esitokweni kuyilapho i-mutual funds egxile esikweletini ihlose ukutshala kumabhondi ekhwalithi ephezulu.

Uyini umehluko phakathi kwe-mutual funds evulekile nevaliwe?

Umehluko omkhulu phakathi kwe-open and closed-ended mutual funds usekumeni kwazo.

Izimali ezivulekile yilezo ezivumela abatshalizimali ukuthi bathenge futhi badayise amayunithi nganoma yisiphi isikhathi, kuyilapho izimali ezivaliwe zinenani elimisiwe lamayunithi atholakala kubatshalizimali.

Izimali ezivaliwe ngokuvamile trade emakethe yesitoko, okuvumela ukutholakala kwamanani amakhulu.

Uyini umehluko phakathi kwe-mutual funds nama-ETF?

Umehluko omkhulu phakathi kwe-mutual funds ne-Exchange Traded Izikhwama (ama-ETF) ukuthi izimali ezihlanganyelwe ziphathwa ngendlela esebenzayo kuyilapho ama-ETF ephathwa ngokungenzi lutho.

Lokhu kusho ukuthi abaphathi be-mutual funds bahlala bethenga futhi bethengisa izibambiso ngomzamo wokudlula imakethe, kuyilapho abaphathi bama-ETF bavele balandelele ibhentshimark.

Manje njengoba sesinomqondo wokuthi ziyini i-mutual fund, ake sithole izinkampani ezingcono kakhulu ze-mutual fund esingatshala kuzo ngo-2024.

Yiziphi ezinye ze-Mutual Funds ezihamba phambili ongafaka imali yakho ngo-2024?

I-Mutual Funds iyindlela enhle yokutshala imali kulabo abafuna ukutshala imali encane njalo ngenyanga.

Banikeza abatshalizimali ikhono lokuthenga kumaphothifoliyo aphethwe ngobungcweti okubanikeza ukuchayeka esitokweni noma amabhondi amaningi ahlukene, ngokuvamile ngaphandle kokuthenga isibambiso ngasinye ngokuqondile.

Uma kufika isikhathi sokutshala izimali ezihlangene, kunenqwaba yezimali ongakhetha kuzo.

Kodwa-ke, akuwona wonke ama-mutual funds adalwe alingana futhi abatshalizimali kudingeka benze ukuzimisela kwabo ngaphambi kokutshala kunoma yisiphi isikhwama.

Okulandelayo uhlu lwezimali ezihlangene eziyishumi eziphezulu abatshalizimali okufanele bacabangele ukufaka imali yabo kuzo ngo-2024:

1. Isikhwama se-SBI Magnum Multi-Cap Fund
2. Isikhwama samathuba we-Reliance Equity
3. Isikhwama Sokukhulisa I-Reliance
4. I-HDFC Top 200 Fund – Uhlelo Olujwayelekile
5. I-AXIS Hybrid Fund Direct-Dividend Option (Ukukhula)
6. I-Kotak Yesikhathi Eside Esine-Advantage Scheme (Inkokhelo Yezabelo Eziqondile)
7. I-ICICI Prudential Balanced Advantage Fund Direct Monthly Dividend Payout
8. Inkokhelo ye-ICICI Prudential Balanced Advantage Fund Direct Quarterly Dividend
9. Isikhwama se-UTI Flexi Cap
10. Isikhwama se-Mirae Asset Hybrid Equity Fund.

1. SBI Magnum Multi-Cap Fund

I-SBI Magnum Multi Cap Fund iyindlela enhle kulabo abafuna isikhwama sokubambisana esihlukene.

Lesi sikhwama sichayeka kukho kokubili amasheya amakhulu naphakathi, okwenza kube kuhle kubatshalizimali abafuna ukutshala imali ezinkampanini ezinemali emakethe enkulu kanye nalezo ezisakhula.

Ukwengeza, lesi sikhwama sinikeza abatshalizimali ukuchayeka emikhakheni yezinsizakalo zezezimali, amandla, kanye nobuchwepheshe.

Uma ungathanda ukufunda okwengeziwe ngalezi zimali ezihlanganyelwe ngaphambi kokutshala imali zizwe ukhululekile ukuvakashela le I-SBI Magnum iwebhusayithi futhi uxoxe nenkampani bukhoma ukuze uthole ulwazi olwengeziwe.

2. Isikhwama samathuba we-Reliance Equity

I-Reliance Equity Opportunities Fund yisikhwama esihlangene esigxile ekutshalweni kwezimali ezibambiso zokulingana.

Lesi sikhwama sibheke ukutshala imali ezinkampanini ezinombono oqinile oyisisekelo futhi ezilungele ukukhula.

Ukwengeza, isikhwama sinephothifoliyo ehlukene kahle emikhakheni eyahlukene, okuyenza ibe yindlela ekahle yokutshala imali kulabo abafuna ukugwema ukubeka wonke amaqanda abo kubhasikidi owodwa.

3. Isikhwama Sokukhulisa I-Reliance.

I-Reliance Growth Fund yisikhwama esihlanganyelwe esitshala esitokweni esigxile ekukhuleni.

Lesi sikhwama sibheka ukutshala imali ezinkampanini ezinombono oqinile wekusasa futhi ezinikeza amandla aphezulu okwazisa ngezimali.

Kungani kufanele utshale imali ku-Reliance Growth Fund

Lesi sikhwama sinephothifoliyo ehlukene kahle emikhakheni eyahlukene futhi sinikeza abatshalizimali ithuba lokuzuza imali ephezulu.

Ukwengeza, isikhwama sinomlando oqinisekisiwe wokukhiqiza imbuyiselo eqinile kubatshalizimali baso.

Uma ufuna isikhwama sokubambisana esigxile ekutshaleni imali ekukhuleni kwamasheya, i-Reliance Growth Fund iyindlela enhle kuwe.

4. I-HDFC Top 200 Fund – Uhlelo Olujwayelekile

I-HDFC Top 200 Fund yisikhwama esihlangene esitshala ezitokweni zezinkampani ezisohlwini lwe-Bombay Stock Exchange (BSE).

Lesi sikhwama sibheka ukutshala imali emabhizinisini asezingeni eliphezulu futhi sinikeza abatshalizimali ukuchayeka emikhakheni eyahlukene.

Kungani kufanele utshale imali ku-HDFC Top 200 Fund - Uhlelo Olujwayelekile

Lesi sikhwama siphethwe ithimba lochwepheshe abanolwazi futhi senze inzuzo eqinile kubatshalizimali baso phakathi neminyaka edlule.

Ukwengeza, lesi sikhwama sinikeza abatshalizimali ithuba lokuchayeka emabhizinisini asezingeni eliphezulu asohlwini lwe-BSE.

Uma ufuna isikhwama sokubambisana esigxile ekutshaleni imali esitokweni sezinkampani zekhwalithi ephezulu, i-HDFC Top 200 Fund - Uhlelo Olujwayelekile luyindlela enhle kuwe.

5. Inketho ye-AXIS Hybrid Fund Direct-Dividend (Ukukhula)

I-AXIS Hybrid Fund Direct-Dividend Option iyisikhwama esihlangene esitshala kuzo zombili izibambiso zezikweletu nezabelomali.

Lesi sikhwama sibheka ukutshala izimali kumathuluzi ezezimali ahlukene, esinikeza abatshalizimali ukuchayeka ezigabeni ezihlukahlukene zempahla.

Kungani kufanele utshale imali ku-AXIS Hybrid Fund Direct-Dividend Option (Ukukhula)

Lesi sikhwama sinikeza abatshalizimali ithuba lembuyiselo ephezulu enengozi ephansi njengoba sitshala kuzo zombili izimakethe zezikweletu nezabelomali.

Uma ubheke ukutshala imali ku-mutual fund etshala kuzo zonke izimakethe eziningi, i-AXIS Hybrid Fund iyindlela enhle kakhulu kuwe.

6. Uhlelo lwe-Kotak Lenzuzo Yesikhathi Eside (Inkokhelo Yenzuzo Eqondile)

I-Kotak Long Term Advantage Scheme yisikhwama esihlangene esitshala ezikweletini nezibambiso zokulingana.

Lolu hlelo lubukeka luhlinzeka abatshalizimali ngokwazisa kwezimali zesikhathi eside ngokutshala ezinkampanini ezisezingeni eliphezulu.

Kungani kufanele utshale imali ku-Kotak Long Term Advantage Scheme (Inkokhelo eqondile ye-Dividend)

Njengezinye izimali ezibalwe lapha, isikhwama se-Kotak senze imbuyiselo eqinile kubatshalizimali bayo phakathi neminyaka edlule futhi sinikeza ukuchayeka kuzo zombili izimakethe zezikweletu nezabelomali.

Uma ufuna i-mutual fund etshala kuzo zonke izigaba zempahla, i-Kotak Long Term Advantage Scheme (Inkokhelo Yezabelo Eziqondile) iyindlela enhle kakhulu kuwe.

7. I-ICICI Prudential Balanced Advantage Fund Direct Monthly Monthly Dividend Option

I-ICICI Prudential Balanced Advantage Fund Direct Monthly Dividend Payout Option iyisikhwama esihlangene esitshala kuzo zombili izibambiso zezikweletu nezabelomali.

Lesi sikhwama sibukeka sihlinzeka abatshalizimali ngeholo elijwayelekile kanye nokwazisa ngemali enkulu ngokutshala ezinkampanini ezisezingeni eliphezulu.

Kungani utshala imali ku-ICICI Prudential Balanced Advantage Fund Direct Monthly Dividend Payout Option?

Lesi sikhwama sikhiqize imbuyiselo eqinile kubatshalizimali baso phakathi neminyaka edlule futhi sinikeza ukuchayeka kuzo zombili izimakethe zezikweletu nezabelomali.